WEBVTT - Here's How Much You Should Have Saved by Age 30 

0:00:16.320 --> 0:00:19.600
<v Speaker 1>Hey, hey, Hey, Well I was I got to say

0:00:19.600 --> 0:00:20.680
<v Speaker 1>hey hey in Greek.

0:00:21.560 --> 0:00:22.959
<v Speaker 2>Just say it with a Greek accent.

0:00:24.320 --> 0:00:28.440
<v Speaker 1>A A. I don't know. I don't know what a

0:00:28.480 --> 0:00:30.920
<v Speaker 1>Greek accent sounds like. They actually it sounds a lot

0:00:30.960 --> 0:00:32.760
<v Speaker 1>like Italian. When I heard people speaking, I was like,

0:00:32.800 --> 0:00:34.040
<v Speaker 1>that sounds like Italian, but.

0:00:34.920 --> 0:00:37.160
<v Speaker 2>No sense to any of our Greek listeners.

0:00:37.840 --> 0:00:41.040
<v Speaker 1>I'm sorry, I don't have a good scope of reference.

0:00:42.240 --> 0:00:43.920
<v Speaker 2>Oh man, You're tripis amazing.

0:00:44.800 --> 0:00:46.519
<v Speaker 1>Yeah, you know, we didn't introduce ourselves.

0:00:46.640 --> 0:00:53.800
<v Speaker 2>I'm Tiffany, I'm jealous. Oh I'm Mandy is Brown.

0:00:55.400 --> 0:00:58.520
<v Speaker 1>The Greek edition. No, honestly, I have to say you

0:00:58.600 --> 0:01:01.000
<v Speaker 1>ever have you ever been like, oh my goodness, I

0:01:01.000 --> 0:01:03.600
<v Speaker 1>have a taste for something and you're not really sure

0:01:03.600 --> 0:01:05.560
<v Speaker 1>what and then you order something or you eat something

0:01:05.600 --> 0:01:08.240
<v Speaker 1>and it's exactly what you had to taste for.

0:01:09.319 --> 0:01:10.880
<v Speaker 2>Yeah, sure that's what.

0:01:11.480 --> 0:01:15.000
<v Speaker 1>That's exactly how my trip got, like where it was like, huh,

0:01:15.040 --> 0:01:16.800
<v Speaker 1>what should I order from the menu? Should I get

0:01:16.800 --> 0:01:18.520
<v Speaker 1>a burger? Should I get this? Should I get that?

0:01:18.560 --> 0:01:19.959
<v Speaker 1>You know what? I'm gonna go with the fish? And

0:01:19.959 --> 0:01:22.440
<v Speaker 1>it's like your mouth and your belly is like, yes,

0:01:22.680 --> 0:01:27.160
<v Speaker 1>this is what we needed, Like Honestly, it's definitely I

0:01:27.200 --> 0:01:29.600
<v Speaker 1>would say top five trips of my lifetime. And I've

0:01:29.600 --> 0:01:32.119
<v Speaker 1>traveled to over thirty different countries, but definitely top five.

0:01:32.640 --> 0:01:34.520
<v Speaker 2>Oh my, what did you guys like? What made it

0:01:34.560 --> 0:01:35.200
<v Speaker 2>so special?

0:01:35.400 --> 0:01:38.280
<v Speaker 1>Pray tell Honestly, it was just because I've been to

0:01:38.319 --> 0:01:40.600
<v Speaker 1>Santorini before. That's why I went this time. It was

0:01:40.640 --> 0:01:44.440
<v Speaker 1>because a few things that it's so uniquely beautiful and

0:01:44.480 --> 0:01:47.440
<v Speaker 1>like just so esthetically pleasing to the eye. Santorini is

0:01:47.560 --> 0:01:50.520
<v Speaker 1>very chill, like there's a neighboring island. It's a so

0:01:50.600 --> 0:01:52.320
<v Speaker 1>Santerini's part of like a series of kind of like

0:01:52.360 --> 0:01:55.520
<v Speaker 1>Greek islands. So Mikonos, which is next to Santorini is

0:01:55.560 --> 0:01:58.320
<v Speaker 1>like the party island, but Santorini is not. So it's

0:01:58.320 --> 0:02:02.200
<v Speaker 1>super chill. The vibe is super chill. The food was amazing.

0:02:03.120 --> 0:02:06.600
<v Speaker 1>It just was so relaxing. I mean it was almost

0:02:06.600 --> 0:02:10.440
<v Speaker 1>comotose and for the first time, like I did a

0:02:10.639 --> 0:02:12.280
<v Speaker 1>ton of work before I left, and I was like,

0:02:12.320 --> 0:02:16.760
<v Speaker 1>everybody leave me alone unless someone is dying then called

0:02:16.760 --> 0:02:19.600
<v Speaker 1>the doctor and still leave me alone. And so like

0:02:19.680 --> 0:02:22.360
<v Speaker 1>I checked in kind of like twice in Flack. I

0:02:22.360 --> 0:02:24.120
<v Speaker 1>was like, is anybody dead and they're like no. And

0:02:24.160 --> 0:02:27.880
<v Speaker 1>I remember Karen, who is my project manager, said Tiffany,

0:02:27.919 --> 0:02:29.840
<v Speaker 1>if we have just like a quick question, can we

0:02:29.880 --> 0:02:36.399
<v Speaker 1>ask it? I said absolutely not and she's like okay,

0:02:37.400 --> 0:02:39.360
<v Speaker 1>And so like literally I just checked in twice just

0:02:39.400 --> 0:02:41.240
<v Speaker 1>to make sure because I knew I thought I was like,

0:02:41.240 --> 0:02:43.040
<v Speaker 1>it's payroll coming up, so I wanted to make sure

0:02:43.080 --> 0:02:45.320
<v Speaker 1>that like I didn't get like some notification that I

0:02:45.400 --> 0:02:48.000
<v Speaker 1>had to make a transfer for payroll. So just twice,

0:02:48.080 --> 0:02:52.160
<v Speaker 1>but I literally did like no work. I think I

0:02:52.200 --> 0:02:54.760
<v Speaker 1>opened my computer to like watch Netflix a little bit.

0:02:55.720 --> 0:02:59.679
<v Speaker 1>I used my phone as it was intended for Instagram.

0:03:00.520 --> 0:03:03.960
<v Speaker 1>It was so amazing. I mean it was just because

0:03:04.000 --> 0:03:06.640
<v Speaker 1>it was so relaxing and I didn't realize just how

0:03:07.040 --> 0:03:09.800
<v Speaker 1>much I needed to relax, and I just was so grateful.

0:03:09.880 --> 0:03:11.160
<v Speaker 1>I came back feeling refreshed.

0:03:11.560 --> 0:03:14.440
<v Speaker 2>Oh that sounds awesome. I could cry listening to you

0:03:14.480 --> 0:03:17.320
<v Speaker 2>talk about that. I feel like I feel like I

0:03:17.360 --> 0:03:19.040
<v Speaker 2>was asking my husband. I was like, when's the last

0:03:19.080 --> 0:03:21.120
<v Speaker 2>time we did a vacation that was actually a vacation

0:03:21.240 --> 0:03:23.320
<v Speaker 2>that we wanted to take. It wasn't like a wedding

0:03:23.520 --> 0:03:26.680
<v Speaker 2>or a family reunion, and legit we haven't been anywhere

0:03:26.680 --> 0:03:29.000
<v Speaker 2>since our honeymoon, like a year and a half ago,

0:03:29.040 --> 0:03:31.040
<v Speaker 2>and I was like, how did that happen?

0:03:31.320 --> 0:03:32.920
<v Speaker 1>You travel a lot, so it feels like, oh, I

0:03:32.960 --> 0:03:35.000
<v Speaker 1>do go and you're like, no, that was for work.

0:03:35.400 --> 0:03:37.880
<v Speaker 1>India was cool, but that was for work. Georgia was cool,

0:03:37.880 --> 0:03:39.480
<v Speaker 1>but that was for this vacation. This, you know, this

0:03:39.520 --> 0:03:41.839
<v Speaker 1>wedding or funeral or whatever. Yeah.

0:03:41.880 --> 0:03:44.200
<v Speaker 2>I also talk myself out of it to way too much.

0:03:44.320 --> 0:03:45.760
<v Speaker 2>I got to get better about that. I feel like

0:03:45.760 --> 0:03:47.320
<v Speaker 2>a lot of our listeners probably do the same thing

0:03:47.320 --> 0:03:49.760
<v Speaker 2>where I'm like, it's okay, one more month. Next month,

0:03:49.920 --> 0:03:51.600
<v Speaker 2>I'm gonna go. The month after that, I'm gonna go.

0:03:51.960 --> 0:03:53.720
<v Speaker 2>That's what I've been saying. I've been having the exact

0:03:53.720 --> 0:03:57.000
<v Speaker 2>same conversation with my cell since probably January. Like I've

0:03:57.080 --> 0:04:01.280
<v Speaker 2>almost planned three or four vacations in the last eight months,

0:04:01.360 --> 0:04:03.680
<v Speaker 2>and I'm like, this, it's got to happen, like September,

0:04:03.840 --> 0:04:06.000
<v Speaker 2>it has got to happen October. But here I am

0:04:06.080 --> 0:04:10.400
<v Speaker 2>doing it again. I'm like, maybe not September, maybe October

0:04:10.480 --> 0:04:10.800
<v Speaker 2>is better.

0:04:10.920 --> 0:04:13.800
<v Speaker 1>Like, yeah, it was everything. I went to a black

0:04:13.800 --> 0:04:17.359
<v Speaker 1>sand beach, which was epic. I took like a boat

0:04:17.400 --> 0:04:20.120
<v Speaker 1>tour on like this thing like a pirate ship. It was.

0:04:22.240 --> 0:04:23.000
<v Speaker 1>I want to go back.

0:04:23.839 --> 0:04:25.679
<v Speaker 2>I mean I don't. I don't want to like steal

0:04:25.720 --> 0:04:29.200
<v Speaker 2>your shine. But I did go to Mini Haha Falls

0:04:29.240 --> 0:04:35.560
<v Speaker 2>in Minnesota this weekend and Minie Haha for the Ninaman

0:04:35.680 --> 0:04:41.760
<v Speaker 2>family reunion, yes ha, which honestly was like the most

0:04:41.800 --> 0:04:43.280
<v Speaker 2>stressful travel trip of my life.

0:04:43.279 --> 0:04:46.200
<v Speaker 1>And I don't even really beautiful boat.

0:04:46.480 --> 0:04:48.240
<v Speaker 2>Oh you know, it's cool. I did go to the

0:04:48.240 --> 0:04:52.679
<v Speaker 2>Mall of America a bunch. Yeah it's huge, it's pretty big.

0:04:52.839 --> 0:04:53.560
<v Speaker 2>It sure is.

0:04:56.279 --> 0:05:02.120
<v Speaker 1>Nice, but yeah, I'm And meanwhile, I came back to

0:05:02.240 --> 0:05:04.680
<v Speaker 1>three hundred you know, typically I keep my emails like

0:05:04.720 --> 0:05:07.640
<v Speaker 1>around hovering around thirty or forty. I came back to

0:05:07.720 --> 0:05:11.960
<v Speaker 1>like three hundred and fifty emails because like apparently they

0:05:11.960 --> 0:05:15.239
<v Speaker 1>were trying something out. We're trying out a new email system.

0:05:15.600 --> 0:05:19.400
<v Speaker 1>And my project manager told my my my assistant, like,

0:05:19.560 --> 0:05:22.280
<v Speaker 1>I got the emails, but she was like, wait what

0:05:22.600 --> 0:05:24.720
<v Speaker 1>wait what does this email do? Wait? And I came

0:05:24.760 --> 0:05:27.599
<v Speaker 1>back and I was like, why what what? It's so

0:05:27.640 --> 0:05:28.400
<v Speaker 1>many emails?

0:05:29.400 --> 0:05:32.360
<v Speaker 2>Don't feel sorry for you. You had a week in Santorini.

0:05:32.680 --> 0:05:35.920
<v Speaker 1>Yeah, I've said all Sunday like I woke up because

0:05:35.960 --> 0:05:37.800
<v Speaker 1>I had jeed, Like I woke up like Sunday at

0:05:37.839 --> 0:05:39.919
<v Speaker 1>like three am. By eight I was still sitting by

0:05:39.960 --> 0:05:45.120
<v Speaker 1>the computer like my my life is a email because

0:05:45.120 --> 0:05:46.600
<v Speaker 1>I was like, I'm not going with Monday with a

0:05:46.680 --> 0:05:49.479
<v Speaker 1>bajillion emails and like starting the week off like this.

0:05:49.600 --> 0:05:51.040
<v Speaker 1>So yeah, like welcome home.

0:05:51.279 --> 0:05:55.920
<v Speaker 2>I love pre pre Monday work Sunday, right, Yes, I do.

0:05:56.040 --> 0:05:57.960
<v Speaker 2>I do that too. I don't think it's I think

0:05:57.960 --> 0:05:59.600
<v Speaker 2>when you have time, I don't know it makes it.

0:05:59.680 --> 0:06:01.359
<v Speaker 2>If I can do one or two hours just to

0:06:01.360 --> 0:06:03.480
<v Speaker 2>feel a little bit better on Monday morning, I think it's.

0:06:03.360 --> 0:06:06.240
<v Speaker 1>Worth it is, honestly, and I do. I am. I

0:06:06.320 --> 0:06:08.640
<v Speaker 1>pregame on Sundays all the time because I'm like, what

0:06:08.680 --> 0:06:10.200
<v Speaker 1>you're not gonna do is kill me on Monday. You're

0:06:10.240 --> 0:06:13.800
<v Speaker 1>not going to kill me Monday. Well, you know, I'm

0:06:13.800 --> 0:06:15.080
<v Speaker 1>glad to I'm glad to be in act now.

0:06:15.360 --> 0:06:16.880
<v Speaker 2>I'm glad to have you back. And hey, you didn't

0:06:16.880 --> 0:06:20.720
<v Speaker 2>even miss a show. You're so good exactly. Let's hit

0:06:20.800 --> 0:06:22.800
<v Speaker 2>up the social media real quick. I know we have

0:06:22.839 --> 0:06:26.760
<v Speaker 2>some posts some people reacting to last week's episode, which

0:06:26.760 --> 0:06:29.039
<v Speaker 2>if you didn't listen, go listen. We talked about how

0:06:29.080 --> 0:06:34.240
<v Speaker 2>my disk assessment training changed my life forever as a manager,

0:06:34.440 --> 0:06:36.560
<v Speaker 2>and I was surprised to see some people actually have

0:06:36.600 --> 0:06:38.360
<v Speaker 2>taken the DISC training because I had never heard about

0:06:38.360 --> 0:06:40.480
<v Speaker 2>it till we took it up at my at my

0:06:40.560 --> 0:06:43.680
<v Speaker 2>company and a couple of listeners we had at who

0:06:43.720 --> 0:06:47.599
<v Speaker 2>dat Lady Rowe said Mandy Woodjrif listening to this week's

0:06:47.640 --> 0:06:50.280
<v Speaker 2>b A podcast, I heard about DISC from the Manager

0:06:50.320 --> 0:06:52.159
<v Speaker 2>Tools pod and we did it as a department. I

0:06:52.160 --> 0:06:55.400
<v Speaker 2>agree one hundred percent, highly recommend and it totally changed

0:06:55.440 --> 0:06:57.480
<v Speaker 2>the way I communicate at work. I knew you were

0:06:57.480 --> 0:06:59.640
<v Speaker 2>a high seat. Yes, I'm a high seat. I'm a

0:06:59.720 --> 0:07:02.640
<v Speaker 2>high st and it nailed me as a perfectionist. And

0:07:02.680 --> 0:07:07.000
<v Speaker 2>another tweet from at Ka Nary speaks Christy Calvert. She

0:07:07.040 --> 0:07:09.279
<v Speaker 2>says at the BA podcast, I listened to the podcast

0:07:09.279 --> 0:07:11.680
<v Speaker 2>today and I can't get It's love out of my head.

0:07:11.720 --> 0:07:14.200
<v Speaker 2>Thanks ladies, I love this song. Wait did we sing

0:07:14.240 --> 0:07:14.600
<v Speaker 2>that song?

0:07:15.720 --> 0:07:18.120
<v Speaker 1>You know what? First of all, I let me tell

0:07:18.120 --> 0:07:21.160
<v Speaker 1>you what's hilarious is that somebody was like, yo, I

0:07:21.200 --> 0:07:22.680
<v Speaker 1>can't get the best out of my head.

0:07:22.680 --> 0:07:25.920
<v Speaker 2>I thought that was maybe she's listening to an old

0:07:25.960 --> 0:07:27.480
<v Speaker 2>episode I don't remember singing that song.

0:07:28.200 --> 0:07:30.440
<v Speaker 1>I don't remember either, but you know we're always singing.

0:07:30.240 --> 0:07:32.560
<v Speaker 2>Digging in the archives, digging in the archives, someone else

0:07:32.600 --> 0:07:35.960
<v Speaker 2>on and skipping over to the grim. We had one

0:07:36.320 --> 0:07:42.080
<v Speaker 2>listener so at nacho ins nachosena at Nachos, and Day said, so,

0:07:42.120 --> 0:07:44.120
<v Speaker 2>I did a disassessment at my last job, and it

0:07:44.160 --> 0:07:46.600
<v Speaker 2>confirmed everything I said about my work style and added

0:07:46.640 --> 0:07:48.480
<v Speaker 2>some surprising stuff as well.

0:07:49.400 --> 0:07:50.960
<v Speaker 1>Yes, be best.

0:07:51.280 --> 0:07:53.240
<v Speaker 2>People love the disc. Are you gonna what are you

0:07:53.280 --> 0:07:55.800
<v Speaker 2>gonna do? Disk assessment for the Budgetissa crew.

0:07:56.360 --> 0:07:59.360
<v Speaker 1>Honestly, at this rate, I'll never dig my way out

0:07:59.400 --> 0:08:00.920
<v Speaker 1>of what we are already have going on, but I

0:08:00.960 --> 0:08:02.160
<v Speaker 1>do want to do you know it might do that

0:08:02.280 --> 0:08:04.800
<v Speaker 1>the retreat. We have a retreat next month.

0:08:05.360 --> 0:08:09.560
<v Speaker 2>Oh perfect for a retreat, mm hmm, totally perfect. There

0:08:09.640 --> 0:08:11.680
<v Speaker 2>is a I put a link to last week's show

0:08:11.720 --> 0:08:14.200
<v Speaker 2>notes it's episode one thirty nine. I put a link

0:08:14.240 --> 0:08:17.400
<v Speaker 2>to There is a like shorter version because some people

0:08:17.400 --> 0:08:19.320
<v Speaker 2>point it out that disc is like two hundred bucks

0:08:19.360 --> 0:08:22.640
<v Speaker 2>if you buy it piecemeal, like on your own, which

0:08:22.640 --> 0:08:25.680
<v Speaker 2>obviously is a lot for a personality test. But Tony

0:08:25.800 --> 0:08:28.560
<v Speaker 2>Robbin self Help Guru has like a mini version of

0:08:28.600 --> 0:08:31.080
<v Speaker 2>Disc on his website and it's free. But just know,

0:08:31.200 --> 0:08:33.280
<v Speaker 2>if you sign up for it, you're giving your email.

0:08:33.280 --> 0:08:35.800
<v Speaker 2>You're going to get all his junk mail. So I

0:08:35.880 --> 0:08:37.520
<v Speaker 2>might you might. You might do what my husband did,

0:08:37.520 --> 0:08:39.720
<v Speaker 2>which just sign up real quick with a junk email

0:08:39.800 --> 0:08:43.360
<v Speaker 2>and then like just let the emails flood that junk account.

0:08:44.120 --> 0:08:46.400
<v Speaker 1>Now. Yeah, and a lot of people have like a

0:08:46.520 --> 0:08:47.720
<v Speaker 1>junk you have a junk email.

0:08:47.800 --> 0:08:50.800
<v Speaker 2>Oh okaunt, Oh yeah for sure. Okay, It's what I

0:08:50.840 --> 0:08:53.520
<v Speaker 2>give people at checkout, and it's what I give just

0:08:53.600 --> 0:08:55.400
<v Speaker 2>any time. I know I'm going to get signed up

0:08:55.400 --> 0:08:57.640
<v Speaker 2>for some newsletter but I want to save ten percent

0:08:57.760 --> 0:08:58.200
<v Speaker 2>or whatever.

0:08:58.840 --> 0:09:22.319
<v Speaker 3>Yeah, yes, it's time for brown break Brown boo.

0:09:23.440 --> 0:09:25.760
<v Speaker 1>Ooh you know what I'm gonna take. I know what

0:09:25.800 --> 0:09:28.120
<v Speaker 1>I'm gonna do. Sorry, I just thought about it because

0:09:28.120 --> 0:09:30.199
<v Speaker 1>I just saw some shadiness on I was in the

0:09:30.240 --> 0:09:33.600
<v Speaker 1>Twitter streets looking at our brown ambition folks that have

0:09:33.679 --> 0:09:39.560
<v Speaker 1>been writing us, and I realized that, uh, there's some

0:09:39.559 --> 0:09:41.839
<v Speaker 1>Twitter beef going on. So I'm actually gonna take a

0:09:41.920 --> 0:09:45.440
<v Speaker 1>brown break from Twitter boost from Twitter beef because it

0:09:45.480 --> 0:09:48.120
<v Speaker 1>just seems so ridiculous. So, you know, Nicki Minaj, I'm

0:09:48.320 --> 0:09:50.800
<v Speaker 1>sure you're aware because you're a millennial heard of her?

0:09:51.360 --> 0:09:51.600
<v Speaker 2>Right?

0:09:51.760 --> 0:09:54.120
<v Speaker 1>So did you know that Nicki Minaj had an ex

0:09:54.160 --> 0:09:55.720
<v Speaker 1>boyfriend that she was with for a very long time.

0:09:55.880 --> 0:09:58.760
<v Speaker 1>Some people even say maybe I was her secret husband.

0:09:58.960 --> 0:10:00.920
<v Speaker 1>His name is Safari. Are you aware?

0:10:01.520 --> 0:10:02.480
<v Speaker 2>Ah?

0:10:02.920 --> 0:10:03.000
<v Speaker 1>No?

0:10:03.160 --> 0:10:03.720
<v Speaker 2>Am I in trouble?

0:10:03.760 --> 0:10:07.280
<v Speaker 4>If I say no, you're the oldest oldest millennial of time.

0:10:07.360 --> 0:10:09.600
<v Speaker 4>So anyway, Safari, who has been on love and hip hop?

0:10:09.600 --> 0:10:10.960
<v Speaker 4>I know, I know all the drop because this is

0:10:10.960 --> 0:10:12.679
<v Speaker 4>what I do when I'm not doing work. I need

0:10:12.760 --> 0:10:13.960
<v Speaker 4>some ratchetness anyway.

0:10:14.520 --> 0:10:16.400
<v Speaker 1>So I don't know what happened, but they've been going

0:10:16.480 --> 0:10:18.880
<v Speaker 1>back and forth at each other on Twitter for no

0:10:18.960 --> 0:10:25.120
<v Speaker 1>apparent reason. And Nicki Minaj is successful, she's beautiful, she

0:10:25.200 --> 0:10:27.520
<v Speaker 1>has a new album out, and it just doesn't make

0:10:27.640 --> 0:10:32.439
<v Speaker 1>sense to I don't know, fight on Twitter on social media.

0:10:32.520 --> 0:10:34.679
<v Speaker 1>So I just want us all to take a.

0:10:34.800 --> 0:10:36.600
<v Speaker 2>Brown break, Like, who's she fighting with?

0:10:37.040 --> 0:10:39.040
<v Speaker 1>Safari? I don't know they've they've broken up. They broke

0:10:39.080 --> 0:10:41.439
<v Speaker 1>up years ago, and so it's just Foolishis just made

0:10:41.480 --> 0:10:43.440
<v Speaker 1>me think to myself that you know how people are,

0:10:43.480 --> 0:10:47.800
<v Speaker 1>like they'll address like you know their their audience and

0:10:47.840 --> 0:10:49.960
<v Speaker 1>say when someone says X y z T, you or

0:10:49.960 --> 0:10:52.240
<v Speaker 1>they'll address some negativity or whatever. And I always say

0:10:52.280 --> 0:10:56.160
<v Speaker 1>to myself, it's just really worth it, like, you know,

0:10:56.760 --> 0:10:59.840
<v Speaker 1>like social media beef. You know, I just feel like

0:10:59.840 --> 0:11:03.520
<v Speaker 1>like just even with our current you know, Commander in

0:11:03.600 --> 0:11:08.440
<v Speaker 1>Chief addressing a woman as a dog on Twitter. So

0:11:08.520 --> 0:11:11.000
<v Speaker 1>I just wanted to also take a brown break from

0:11:11.800 --> 0:11:16.080
<v Speaker 1>social media beef because it just was like it lives

0:11:16.080 --> 0:11:18.520
<v Speaker 1>on forever and it's so ugly and so unnecessary, you

0:11:18.559 --> 0:11:19.040
<v Speaker 1>know what I mean.

0:11:19.520 --> 0:11:21.920
<v Speaker 2>All Right, I'll stop calling you trash on Twitter?

0:11:22.880 --> 0:11:26.200
<v Speaker 1>You back? I set?

0:11:31.040 --> 0:11:34.320
<v Speaker 2>Yeah, who has time for Twitter? What about me? So

0:11:34.480 --> 0:11:36.880
<v Speaker 2>I'm gonna give a brown So one thing I really

0:11:36.880 --> 0:11:40.800
<v Speaker 2>give kudos to this weekend. So my poor uncle, I

0:11:40.840 --> 0:11:42.920
<v Speaker 2>remember I said, I was at the Niniman family reunion.

0:11:42.960 --> 0:11:45.160
<v Speaker 2>That's my grandma's side of the family. God rest her soul.

0:11:45.640 --> 0:11:48.160
<v Speaker 2>So my uncle was in charge of bringing all of

0:11:48.200 --> 0:11:51.040
<v Speaker 2>these photo albums, like compiling all the photos from the

0:11:51.080 --> 0:11:54.319
<v Speaker 2>family onto some flash drives and onto laptops and stuff

0:11:54.320 --> 0:11:56.440
<v Speaker 2>so we can set them up at our little reunion party.

0:11:56.920 --> 0:12:00.160
<v Speaker 2>And the poor guy had to check his bag at

0:12:00.160 --> 0:12:02.480
<v Speaker 2>the airport and ends up getting lost. The bag did

0:12:02.480 --> 0:12:05.360
<v Speaker 2>not make it to the carousel. Either that or someone

0:12:05.400 --> 0:12:09.560
<v Speaker 2>stole it off the carousel in Minneapolis. But fortunately, I

0:12:09.600 --> 0:12:13.520
<v Speaker 2>mean unfortunately, because you can't replace you know, the flash

0:12:13.520 --> 0:12:15.640
<v Speaker 2>stripes with the photos on them, or the laptop even

0:12:15.679 --> 0:12:20.720
<v Speaker 2>but his credit card had lost baggage protection, and a

0:12:20.720 --> 0:12:23.480
<v Speaker 2>lot of good travel cards have this, and I think

0:12:23.520 --> 0:12:27.440
<v Speaker 2>he's covered for some of the monetary value of the

0:12:27.480 --> 0:12:31.040
<v Speaker 2>possessions that he lost, which is pretty dope. So if

0:12:31.040 --> 0:12:33.240
<v Speaker 2>you ever lose your baggage, check your check the credit

0:12:33.320 --> 0:12:34.880
<v Speaker 2>card that you use to pay for the flight and

0:12:34.920 --> 0:12:37.440
<v Speaker 2>see if you have baggage protection, because it's a nice

0:12:37.520 --> 0:12:38.120
<v Speaker 2>little perk.

0:12:39.480 --> 0:12:40.800
<v Speaker 1>Is that? Like? Do you know what kind of card

0:12:40.840 --> 0:12:41.160
<v Speaker 1>he had?

0:12:41.920 --> 0:12:44.280
<v Speaker 2>I didn't ask him, but I know, for example that

0:12:44.360 --> 0:12:46.840
<v Speaker 2>the like, if you're paying an annual fee for a

0:12:46.880 --> 0:12:49.400
<v Speaker 2>travel card, it's highly likely that they have some some

0:12:49.520 --> 0:12:52.360
<v Speaker 2>type of lost baggage protection.

0:12:53.120 --> 0:12:55.360
<v Speaker 1>Oh it does ours. You know, we have the adventure

0:12:55.440 --> 0:12:57.640
<v Speaker 1>jump on a plane and jump on an airplane card. Remember

0:12:57.679 --> 0:12:58.120
<v Speaker 1>I never know the.

0:12:58.160 --> 0:13:02.040
<v Speaker 2>Name of our card, good time card.

0:13:01.679 --> 0:13:04.720
<v Speaker 1>You're like, oh, is there an adventure? Wasn't aware?

0:13:05.000 --> 0:13:07.440
<v Speaker 2>Let me bookmark back to check during the show and

0:13:07.440 --> 0:13:10.280
<v Speaker 2>I'll let you know. Okay, but I'm pretty sure it does.

0:13:10.360 --> 0:13:11.400
<v Speaker 2>But I don't want to misspeak.

0:13:11.960 --> 0:13:16.520
<v Speaker 1>Okay, oh all right, Well we have questions. Question, how

0:13:16.559 --> 0:13:19.360
<v Speaker 1>you gonna name that band?

0:13:19.360 --> 0:13:19.959
<v Speaker 2>Mandy, name it?

0:13:20.040 --> 0:13:21.360
<v Speaker 1>Name it? You have five second.

0:13:21.120 --> 0:13:21.720
<v Speaker 2>That's a song.

0:13:22.559 --> 0:13:26.480
<v Speaker 1>Oh my gosh. Question how you go? Wait?

0:13:26.640 --> 0:13:28.720
<v Speaker 2>That's okay, that's Destiny's Child. But you didn't do them.

0:13:31.760 --> 0:13:34.480
<v Speaker 2>I had to work really hard to put that in

0:13:34.480 --> 0:13:35.080
<v Speaker 2>the right key.

0:13:36.040 --> 0:13:39.240
<v Speaker 1>Oh my god, I am off key like a mug.

0:13:39.559 --> 0:13:41.840
<v Speaker 1>Oh my gosh. Anyway, it's questioned.

0:13:42.200 --> 0:13:45.200
<v Speaker 2>So our first question comes from listener Mikayla. She says, hey, ladies,

0:13:45.240 --> 0:13:48.880
<v Speaker 2>I love the podcast. You guys are truly goals. I

0:13:48.880 --> 0:13:50.920
<v Speaker 2>think this may be a case by Kse situation. But

0:13:51.000 --> 0:13:53.840
<v Speaker 2>how much did you did you all or would you

0:13:53.880 --> 0:13:56.160
<v Speaker 2>have liked to have saved by age thirty? Sometimes I

0:13:56.160 --> 0:13:58.839
<v Speaker 2>feel like I'm rushing and my loans feel crippling from

0:13:58.880 --> 0:14:00.960
<v Speaker 2>time to time. Can I think cation purchase a home

0:14:01.080 --> 0:14:05.120
<v Speaker 2>and pay back my loan my loan debt from Mikayla,

0:14:05.200 --> 0:14:08.559
<v Speaker 2>So basically, how much? How much? So we're both over thirty,

0:14:08.600 --> 0:14:10.960
<v Speaker 2>but how much did we have saved? And how much

0:14:10.960 --> 0:14:13.920
<v Speaker 2>do you wish you could have saved by age thirty?

0:14:14.440 --> 0:14:15.880
<v Speaker 1>Let me tell you what I had saved that by

0:14:15.920 --> 0:14:20.320
<v Speaker 1>age thirty. I had negative three hundred thousand. Okay, like legitimately,

0:14:20.760 --> 0:14:23.520
<v Speaker 1>I owed a mortgage that I had foreclosed on. I

0:14:23.600 --> 0:14:27.280
<v Speaker 1>had a fifty thousand dollars student loan debt, and I

0:14:27.360 --> 0:14:30.160
<v Speaker 1>also had like thirty something thousand on like credit card

0:14:30.160 --> 0:14:33.080
<v Speaker 1>debt and some other debts. Basically, yeah, so it was

0:14:33.120 --> 0:14:35.280
<v Speaker 1>like a little over three hundred thousand. That's an at

0:14:35.360 --> 0:14:39.720
<v Speaker 1>age thirty. Well, all my twenty nine, twenty thirtieth birthday,

0:14:39.880 --> 0:14:41.560
<v Speaker 1>I had to move back home and sleep in my

0:14:41.560 --> 0:14:44.080
<v Speaker 1>middle school bed and I stay with my parents for

0:14:44.120 --> 0:14:46.680
<v Speaker 1>about a year. So that's what my life was looking

0:14:46.720 --> 0:14:51.080
<v Speaker 1>like at thirty. So ideally, I probably would have liked

0:14:51.080 --> 0:14:54.600
<v Speaker 1>to have I don't know, like maybe like fifty thousand

0:14:54.600 --> 0:14:56.600
<v Speaker 1>dollars to fifty to one hundred thousand, I guess, like

0:14:56.960 --> 0:14:59.960
<v Speaker 1>not necessarily saved in cash, but like cash for tiring,

0:15:00.360 --> 0:15:04.160
<v Speaker 1>like you know, like assets, I guess. But honestly, thirty

0:15:04.160 --> 0:15:05.920
<v Speaker 1>for me was such a crazy time because it was

0:15:06.000 --> 0:15:08.400
<v Speaker 1>like the height of the recession, and so I was

0:15:08.440 --> 0:15:12.280
<v Speaker 1>just trying to be like hmmm, beans and rice or just.

0:15:12.320 --> 0:15:17.840
<v Speaker 2>Rice fair enough, fair enough, And yeah, well thirty was

0:15:17.880 --> 0:15:22.960
<v Speaker 2>so long ago. It was a year ago, So about

0:15:23.000 --> 0:15:26.680
<v Speaker 2>a year ago, if I'm not counting, so I didn't

0:15:26.720 --> 0:15:29.080
<v Speaker 2>have debt when I was thirty, and I did start

0:15:29.120 --> 0:15:30.760
<v Speaker 2>contributing to a four to one K when I was

0:15:30.800 --> 0:15:33.000
<v Speaker 2>about twenty four, and I didn't mention. Mikaela says she's

0:15:33.040 --> 0:15:35.680
<v Speaker 2>twenty two, so she has eight years. I was around

0:15:35.680 --> 0:15:37.160
<v Speaker 2>her age when I opened up my first four or

0:15:37.160 --> 0:15:39.800
<v Speaker 2>one K, and I had been slowly steadily paying it

0:15:39.840 --> 0:15:42.920
<v Speaker 2>off and my income that had gotten increasingly bigger over

0:15:42.960 --> 0:15:45.160
<v Speaker 2>the years, and by thirty, I would say I had

0:15:45.200 --> 0:15:49.160
<v Speaker 2>saved about with four one K and my cash savings

0:15:49.280 --> 0:15:53.720
<v Speaker 2>a little hundred one hundred thousand dollars at age thirty.

0:15:54.640 --> 0:15:57.600
<v Speaker 2>But that that may sound like a lot of I mean,

0:15:57.640 --> 0:15:59.080
<v Speaker 2>it is a lot, but I think I only got

0:15:59.120 --> 0:16:02.120
<v Speaker 2>there because I started saving so early in my twenties

0:16:02.320 --> 0:16:04.680
<v Speaker 2>and I wasn't earning very much when I was saving.

0:16:04.720 --> 0:16:06.760
<v Speaker 2>But I'll tell you what happened. The timing was perfect

0:16:06.760 --> 0:16:08.800
<v Speaker 2>for me, So I started saving in like twenty ten,

0:16:09.320 --> 0:16:12.160
<v Speaker 2>at the bottom of the market. And so what happened is,

0:16:12.200 --> 0:16:13.720
<v Speaker 2>like I can tell you one of my accounts I

0:16:13.720 --> 0:16:16.600
<v Speaker 2>haven't even touched since I left my job that I

0:16:16.640 --> 0:16:18.200
<v Speaker 2>first opened my four one K. I just kind of

0:16:18.280 --> 0:16:22.320
<v Speaker 2>kept it in my Vanguard account, and it has made money, money, money,

0:16:22.360 --> 0:16:25.280
<v Speaker 2>nothing but money in the year since the recession because

0:16:25.320 --> 0:16:28.160
<v Speaker 2>the market has improved. We just yeah, it's been a

0:16:28.160 --> 0:16:31.040
<v Speaker 2>really strong stock market lately. So everything I had invested

0:16:31.080 --> 0:16:34.440
<v Speaker 2>at a low cost back in the twenty ten has

0:16:34.560 --> 0:16:37.640
<v Speaker 2>just like boomed since then. And I couldn't predict that.

0:16:37.680 --> 0:16:40.080
<v Speaker 2>But I'm so happy that I started investing early because

0:16:40.080 --> 0:16:44.680
<v Speaker 2>my money has had time to grow over time. So well,

0:16:44.720 --> 0:16:45.240
<v Speaker 2>I you a.

0:16:45.240 --> 0:16:48.360
<v Speaker 1>Lucky ducky to have invested at the bottom. Meanwhile, I

0:16:48.440 --> 0:16:50.920
<v Speaker 1>was like, let's see, I timed the market just right

0:16:51.000 --> 0:16:52.560
<v Speaker 1>to be like, let me get it at the very

0:16:52.640 --> 0:16:55.320
<v Speaker 1>tap and crash ooh it's a fun ride down.

0:16:56.400 --> 0:17:00.600
<v Speaker 2>Yeah. You I don't know, you turned out fine. I

0:17:00.600 --> 0:17:02.000
<v Speaker 2>think you're fine at Santorini.

0:17:02.400 --> 0:17:04.959
<v Speaker 1>Yeah, well yeah, I mean I definitely was, you know,

0:17:05.080 --> 0:17:07.880
<v Speaker 1>but it was Yeah. So I say, there's no real

0:17:08.119 --> 0:17:09.879
<v Speaker 1>rhyme re like, you know what, honestly, this is a

0:17:09.920 --> 0:17:13.680
<v Speaker 1>perfect illustration, right, Mandy. So you were you know, you

0:17:14.000 --> 0:17:17.119
<v Speaker 1>got into the market perfect timing and it worked out great.

0:17:17.480 --> 0:17:20.240
<v Speaker 1>I got into the market the worst timing and it

0:17:20.320 --> 0:17:22.399
<v Speaker 1>still worked out great. So I guess I hope the

0:17:22.480 --> 0:17:25.000
<v Speaker 1>lesson in all of that is really just like that,

0:17:25.119 --> 0:17:27.200
<v Speaker 1>it's not so much it's not so much the things

0:17:27.200 --> 0:17:29.280
<v Speaker 1>that you can't control, it's the ones that you can.

0:17:29.640 --> 0:17:32.800
<v Speaker 1>So I lived really simply. I saved safe safe, and

0:17:32.840 --> 0:17:35.760
<v Speaker 1>I began investing. And it took me really until like

0:17:35.840 --> 0:17:38.240
<v Speaker 1>thirty five until I was a place to really be

0:17:38.359 --> 0:17:41.000
<v Speaker 1>able to have enough to start investing. And now that

0:17:41.040 --> 0:17:44.320
<v Speaker 1>I'm thirty eight and I'm more than fine. So I

0:17:44.320 --> 0:17:46.560
<v Speaker 1>don't not I mean, the earlier you could start, the better,

0:17:46.720 --> 0:17:48.960
<v Speaker 1>But it's never too late to do something, and it

0:17:48.960 --> 0:17:50.639
<v Speaker 1>doesn't mean it's the end of the world just because

0:17:50.640 --> 0:17:51.800
<v Speaker 1>something bad happens.

0:17:52.320 --> 0:17:55.120
<v Speaker 2>Yeah, there's there's like really there's rule of thumbs out there,

0:17:55.119 --> 0:17:57.800
<v Speaker 2>Like I was when I got Michaela's question. I remember

0:17:57.920 --> 0:18:01.240
<v Speaker 2>JP Morgan Chase puts out this annual guide to retirement

0:18:01.600 --> 0:18:03.800
<v Speaker 2>and in this guide they have this chart and it's

0:18:03.880 --> 0:18:06.320
<v Speaker 2>kind of like find your age and then find your income,

0:18:06.480 --> 0:18:08.040
<v Speaker 2>and then you know, you find the point on the

0:18:08.119 --> 0:18:10.119
<v Speaker 2>chart and it kind of tells you what your target

0:18:10.160 --> 0:18:13.480
<v Speaker 2>savings goal should be. So, for example, if I'm age thirty,

0:18:13.520 --> 0:18:15.960
<v Speaker 2>I'm gonna put this chart in the notes of the podcast.

0:18:16.040 --> 0:18:18.200
<v Speaker 2>But if I'm age thirty and I'm earning seventy five

0:18:18.240 --> 0:18:21.439
<v Speaker 2>thousand dollars. This guide says I should be saving at

0:18:21.520 --> 0:18:25.280
<v Speaker 2>least one point one point one times that household income.

0:18:25.400 --> 0:18:28.000
<v Speaker 2>So what's one point one times over? So just about

0:18:28.840 --> 0:18:32.760
<v Speaker 2>one year salary, So seventy five thousand bo boop bee poop.

0:18:32.920 --> 0:18:34.879
<v Speaker 2>That's eighty two thousand, five hundred. That's how much you

0:18:34.920 --> 0:18:36.440
<v Speaker 2>want to have saved by that time. Now, if you're

0:18:36.480 --> 0:18:38.440
<v Speaker 2>listening right now, I know a lot of our listeners

0:18:38.440 --> 0:18:39.719
<v Speaker 2>are in their thirty and they're in the car right

0:18:39.720 --> 0:18:42.840
<v Speaker 2>now sweating. If you don't have that much saving and retirement,

0:18:42.840 --> 0:18:44.480
<v Speaker 2>it's not meant to make you feel bad. If you're

0:18:44.480 --> 0:18:46.880
<v Speaker 2>saving anything at all, it's better than, you know, obviously,

0:18:46.920 --> 0:18:49.159
<v Speaker 2>saving nothing. But it's nice to have a goal to

0:18:49.240 --> 0:18:52.920
<v Speaker 2>aspire to. It's nice to have something to want to achieve.

0:18:53.280 --> 0:18:55.639
<v Speaker 2>But if you're like Mikayla, and one thing that she

0:18:55.720 --> 0:18:57.840
<v Speaker 2>also mentioned in her notice that she has about fifty

0:18:57.880 --> 0:19:00.720
<v Speaker 2>thousand dollars worth of student loan debt with AUTODI, it

0:19:00.760 --> 0:19:03.120
<v Speaker 2>may not be possible to put that much money aside

0:19:03.280 --> 0:19:05.480
<v Speaker 2>by age thirty. Maybe the next eight years for you

0:19:05.520 --> 0:19:08.720
<v Speaker 2>are more about hunkering down and paying off that debt

0:19:08.760 --> 0:19:10.640
<v Speaker 2>first because you have to look at paying off debt

0:19:10.640 --> 0:19:13.560
<v Speaker 2>as a form of wealth building as well. I was lucky,

0:19:13.640 --> 0:19:15.720
<v Speaker 2>and second times over because I went to a state

0:19:15.720 --> 0:19:17.840
<v Speaker 2>school and I only graduated with seven thousand dollars in

0:19:17.880 --> 0:19:20.359
<v Speaker 2>student loan debt, so I didn't have the big you know,

0:19:20.400 --> 0:19:23.959
<v Speaker 2>student loan debt holding me back. And I completely I

0:19:24.000 --> 0:19:27.399
<v Speaker 2>recognize that privilege. I recognize that fortune because I know,

0:19:27.560 --> 0:19:30.240
<v Speaker 2>like a lot of my friends are struggling because they,

0:19:30.760 --> 0:19:33.600
<v Speaker 2>you know, had more student student debt than I did.

0:19:34.440 --> 0:19:36.320
<v Speaker 2>And you're you're only twenty two, you have so much

0:19:36.359 --> 0:19:39.000
<v Speaker 2>time ahead of you. Yeah, So I would.

0:19:38.800 --> 0:19:40.800
<v Speaker 1>Say, honestly, I would use the time, like Bady said,

0:19:40.840 --> 0:19:42.840
<v Speaker 1>use this time to pay down debt. Use this time

0:19:42.880 --> 0:19:45.520
<v Speaker 1>to stack stack, stack safe, safe, safe, so you can invest,

0:19:45.600 --> 0:19:47.440
<v Speaker 1>quite honestly, exactly.

0:19:47.520 --> 0:19:49.360
<v Speaker 2>And even if you're paying off your student loan debt

0:19:49.400 --> 0:19:51.320
<v Speaker 2>right now, which is good, you know, continue doing that.

0:19:51.960 --> 0:19:54.000
<v Speaker 2>You don't doesn't mean it doesn't mean that you don't

0:19:54.040 --> 0:19:55.439
<v Speaker 2>need to open up a four to one K. You

0:19:55.440 --> 0:19:57.280
<v Speaker 2>can open up your four to one K. Like if

0:19:57.280 --> 0:19:59.600
<v Speaker 2>your company offers a match, at least contribute enough to

0:19:59.600 --> 0:20:03.560
<v Speaker 2>capture that match, and then you know, contribute what you

0:20:03.720 --> 0:20:05.920
<v Speaker 2>possibly as much as you possibly can to your four

0:20:06.000 --> 0:20:09.640
<v Speaker 2>one K and then continue like increasing it as your

0:20:09.680 --> 0:20:11.639
<v Speaker 2>debt starts going down over the years.

0:20:12.280 --> 0:20:15.159
<v Speaker 1>Yeah, but all in now, if you put the work in,

0:20:15.440 --> 0:20:16.760
<v Speaker 1>usually something that comes out.

0:20:17.480 --> 0:20:21.480
<v Speaker 2>Yes, maam okay. So next question comes from listener Ashland.

0:20:21.560 --> 0:20:24.679
<v Speaker 2>That's a cool name. I'm Ashland and I'm brown. Okay,

0:20:25.560 --> 0:20:28.040
<v Speaker 2>wait a second, there was instructions. She said, please say

0:20:28.040 --> 0:20:33.000
<v Speaker 2>this in a happy voice. I'm Ashland and I'm Brown. Yes, Aslan,

0:20:33.880 --> 0:20:36.480
<v Speaker 2>So I have a quick wedding question. Ashland says, I

0:20:36.520 --> 0:20:39.480
<v Speaker 2>recently got engaged and I've become low key overwhelmed with

0:20:39.520 --> 0:20:43.000
<v Speaker 2>wedding planning. The wedding date is March thirtieth, twenty nineteen.

0:20:43.359 --> 0:20:46.400
<v Speaker 2>Before the engagement, I never wanted a big wedding book, girl,

0:20:46.520 --> 0:20:47.359
<v Speaker 2>things have changed.

0:20:47.640 --> 0:20:47.960
<v Speaker 1>Show.

0:20:48.840 --> 0:20:50.360
<v Speaker 2>I can just tell the parents are here. I can

0:20:50.359 --> 0:20:53.080
<v Speaker 2>I just feel it coming. Things have changed. We are

0:20:53.119 --> 0:20:55.879
<v Speaker 2>expecting at least two hundred or maybe a little more.

0:20:56.240 --> 0:20:58.800
<v Speaker 2>My parents are pastor's guests at the wedding.

0:20:59.119 --> 0:20:59.840
<v Speaker 1>Yeah.

0:21:00.080 --> 0:21:02.520
<v Speaker 2>Ouch, that's like twice my wedding. I know you both

0:21:02.600 --> 0:21:04.760
<v Speaker 2>understand me when I say weddings are expensive. I want

0:21:04.800 --> 0:21:06.080
<v Speaker 2>a nice wedding, but I don't want to live in

0:21:06.119 --> 0:21:11.320
<v Speaker 2>poverty fair enough? How do we as newly weds? What

0:21:11.320 --> 0:21:13.879
<v Speaker 2>would you suggest regarding how to plan a nice wedding

0:21:13.920 --> 0:21:17.680
<v Speaker 2>without breaking the bank. Any suggestions regarding how to effectively

0:21:17.720 --> 0:21:22.080
<v Speaker 2>plan a budget friendly honeymoon would be appreciated as well.

0:21:22.320 --> 0:21:27.160
<v Speaker 2>So how about those two hundred people? Can you cut

0:21:27.200 --> 0:21:29.040
<v Speaker 2>like seventy five percent of them?

0:21:29.920 --> 0:21:32.800
<v Speaker 1>Yeah? Because it's it's just there's no way to have

0:21:33.320 --> 0:21:37.680
<v Speaker 1>a relatively inexpensive wedding and have three hundred people. I mean,

0:21:37.800 --> 0:21:39.760
<v Speaker 1>like eat, like what a it's not going to be

0:21:39.760 --> 0:21:45.080
<v Speaker 1>five dollars person? You know, well how much? What? How

0:21:45.119 --> 0:21:47.280
<v Speaker 1>much did people cost per person for your wedding?

0:21:47.920 --> 0:21:50.119
<v Speaker 2>I think about one hundred dollars? Actually I'm not I

0:21:50.160 --> 0:21:52.560
<v Speaker 2>don't think I know one hundred and five dollars per person.

0:21:52.600 --> 0:21:56.359
<v Speaker 2>That covered food and open bar and the venue and

0:21:56.400 --> 0:21:58.439
<v Speaker 2>all that kind of stuff. So believe me, when when

0:21:58.480 --> 0:22:01.560
<v Speaker 2>people didn't show up, I tap calculated how much money

0:22:01.880 --> 0:22:02.200
<v Speaker 2>was spent.

0:22:02.840 --> 0:22:05.440
<v Speaker 1>Oh yeah, and that sucks. We don't show up anyway,

0:22:05.440 --> 0:22:08.280
<v Speaker 1>they owe you money. But I'm the worst person to ask,

0:22:08.280 --> 0:22:11.639
<v Speaker 1>because honestly, I refused to participate. I was like, I sorry,

0:22:11.680 --> 0:22:14.520
<v Speaker 1>got just clapping. Refused to participate.

0:22:15.240 --> 0:22:17.679
<v Speaker 2>I refused, Well, you enjoyed that chicken biscuit bart my

0:22:17.680 --> 0:22:18.400
<v Speaker 2>wedding Dinnis show.

0:22:18.680 --> 0:22:22.480
<v Speaker 1>I honestly, yo, I'm not gonna lie. Mandy's wedding like,

0:22:22.640 --> 0:22:25.080
<v Speaker 1>hands down, definitely top three weddings of all time, but

0:22:25.400 --> 0:22:28.080
<v Speaker 1>that e been too. It was so much fun and honestly,

0:22:28.359 --> 0:22:29.720
<v Speaker 1>and the reason why I didn't have one is not

0:22:29.760 --> 0:22:31.760
<v Speaker 1>because I didn't. You know, I don't like the next things.

0:22:31.840 --> 0:22:35.880
<v Speaker 1>I honestly hate planning events. I hate being the scent

0:22:36.040 --> 0:22:37.919
<v Speaker 1>like if I'm speaking, that's fine, but I don't like

0:22:38.040 --> 0:22:40.680
<v Speaker 1>personally as Tiffany, being the center of attention. I felt

0:22:40.720 --> 0:22:43.480
<v Speaker 1>so uncomfortable the whole time. So I was like, okay, guys, bye, okay,

0:22:43.520 --> 0:22:47.240
<v Speaker 1>guys bye. So yeah, that's why for me. You know,

0:22:47.280 --> 0:22:50.160
<v Speaker 1>I spent twenty five hundred dollars. A friend of mine

0:22:50.680 --> 0:22:53.000
<v Speaker 1>let us use her restaurant. It was like a Wednesday,

0:22:53.680 --> 0:22:56.720
<v Speaker 1>and I got married at just as the piece and

0:22:56.760 --> 0:22:58.840
<v Speaker 1>I had literally like Mandy, how many people were just saying,

0:22:59.160 --> 0:23:02.760
<v Speaker 1>was that like maybe like thirty people? Yeah? Yeah, And

0:23:02.960 --> 0:23:05.600
<v Speaker 1>that was it, Like, you know, we bought liquor from wherever.

0:23:05.680 --> 0:23:07.280
<v Speaker 1>I'm like, do we even have hooker? I don't even know.

0:23:08.119 --> 0:23:09.760
<v Speaker 1>I just was like, can you guys go home? I

0:23:09.800 --> 0:23:14.600
<v Speaker 1>hate this, so but I say this that I would

0:23:14.760 --> 0:23:17.199
<v Speaker 1>list the things that are the most expensive parts of

0:23:17.240 --> 0:23:22.640
<v Speaker 1>your wedding and figure out how you can like dress, alcohol, venue,

0:23:23.080 --> 0:23:25.200
<v Speaker 1>and figure out like what can what can you do,

0:23:25.600 --> 0:23:28.320
<v Speaker 1>what unique things can you do to keep these these

0:23:28.359 --> 0:23:30.280
<v Speaker 1>costs down? Because that's where well, I mean, I guess

0:23:30.320 --> 0:23:32.640
<v Speaker 1>you say, Mandy, like what where were the places where

0:23:32.680 --> 0:23:33.959
<v Speaker 1>you could kind of say, well, you know what, if

0:23:33.960 --> 0:23:36.480
<v Speaker 1>we pull back here, we could still have something really

0:23:36.520 --> 0:23:37.200
<v Speaker 1>nice over here.

0:23:37.600 --> 0:23:40.000
<v Speaker 2>Yeah, a couple of strategies we use sour our wedding

0:23:40.040 --> 0:23:43.280
<v Speaker 2>really wasn't unaffordable. I mean, one, we had the wedding

0:23:43.320 --> 0:23:44.800
<v Speaker 2>that we wanted, so for me, the money that we

0:23:44.840 --> 0:23:46.440
<v Speaker 2>spent was worth it in the end. So I think

0:23:46.480 --> 0:23:48.159
<v Speaker 2>what happens if you're not having the wedding that you

0:23:48.200 --> 0:23:50.120
<v Speaker 2>want and you're spending money on it, It just makes

0:23:50.119 --> 0:23:52.680
<v Speaker 2>you feel like crap afterwards. So I would say take

0:23:52.720 --> 0:23:56.240
<v Speaker 2>control early and set barriers. Set ground rules for your

0:23:56.280 --> 0:23:59.080
<v Speaker 2>parents who want to keep adding guests. Talk to your

0:23:59.080 --> 0:24:00.840
<v Speaker 2>parents if they're going to be adding guests, see if

0:24:00.840 --> 0:24:03.960
<v Speaker 2>they'll actually pay for their pay for the cost of

0:24:04.000 --> 0:24:06.160
<v Speaker 2>adding them to your reception because that's where the real

0:24:06.160 --> 0:24:08.320
<v Speaker 2>money is spent at the reception. So one area that

0:24:08.359 --> 0:24:11.040
<v Speaker 2>we definitely cut was on the flowers. We decided early

0:24:11.080 --> 0:24:12.800
<v Speaker 2>that that's not any money that we wanted to spend,

0:24:12.920 --> 0:24:15.240
<v Speaker 2>so we just like for my rehearsal dinner, my friends

0:24:15.240 --> 0:24:17.800
<v Speaker 2>bought flowers from like the grocery store and they looked

0:24:17.800 --> 0:24:18.959
<v Speaker 2>really nice, let me just tell you.

0:24:19.400 --> 0:24:20.959
<v Speaker 1>And they were beautiful. I mean, I was gonna say,

0:24:20.960 --> 0:24:23.119
<v Speaker 1>I didn't even notice like no flowers because it was

0:24:23.200 --> 0:24:25.359
<v Speaker 1>so it was like twilight and you had beautiful flower

0:24:25.520 --> 0:24:28.720
<v Speaker 1>It was beautiful. Honestly. You picked such a great location

0:24:29.440 --> 0:24:31.679
<v Speaker 1>in Savannah, which is like one of my favorite American cities,

0:24:31.720 --> 0:24:35.680
<v Speaker 1>that it just it added to like the ambiance, so

0:24:35.720 --> 0:24:37.600
<v Speaker 1>I didn't I didn't miss flowers.

0:24:38.119 --> 0:24:40.920
<v Speaker 2>Yeah, and like the setting, you know, just having it.

0:24:41.040 --> 0:24:43.760
<v Speaker 2>Destination wedding in general sometimes helps you trim the guest

0:24:43.840 --> 0:24:47.720
<v Speaker 2>list naturally because fewer people are likely to travel, and

0:24:47.760 --> 0:24:49.359
<v Speaker 2>that's one way you could do it. If you if

0:24:49.400 --> 0:24:51.399
<v Speaker 2>you can get away with doing a destination wedding, that

0:24:51.480 --> 0:24:54.080
<v Speaker 2>sometimes can be more affordable and you kind of passed

0:24:54.119 --> 0:24:56.120
<v Speaker 2>the cost onto your guests, but then you can kind

0:24:56.160 --> 0:24:58.800
<v Speaker 2>of bill it as oh, you're getting an experience. Come

0:24:58.840 --> 0:25:03.680
<v Speaker 2>to my wedding and you Puntacana or Florida or wherever. Yeah,

0:25:03.720 --> 0:25:06.400
<v Speaker 2>and what Tiffany did too, where you had a private

0:25:06.400 --> 0:25:09.439
<v Speaker 2>wedding and then a bigger reception afterward. That's one idea

0:25:09.480 --> 0:25:15.000
<v Speaker 2>to invite some people to I don't know, maybe have

0:25:15.080 --> 0:25:17.320
<v Speaker 2>a smaller Here's one way you can save, like Tiffany,

0:25:17.359 --> 0:25:19.960
<v Speaker 2>if you had if you had had your your reception

0:25:20.040 --> 0:25:21.680
<v Speaker 2>that you had the day after or sorry, the same

0:25:21.720 --> 0:25:23.880
<v Speaker 2>day that you got married, if you did something like that,

0:25:23.960 --> 0:25:26.600
<v Speaker 2>like a small intimate dinner where you're paying for everyone's

0:25:26.600 --> 0:25:29.760
<v Speaker 2>food yliquer, and then afterward you have a bigger party,

0:25:30.080 --> 0:25:32.199
<v Speaker 2>you know, at a public place where it's not like

0:25:32.240 --> 0:25:33.720
<v Speaker 2>you're paying for food and drinks or anything.

0:25:33.840 --> 0:25:36.240
<v Speaker 1>I like that A nice idea that could be.

0:25:36.359 --> 0:25:37.480
<v Speaker 2>That could be one option too.

0:25:38.080 --> 0:25:40.919
<v Speaker 1>Yeah, and honestly too, if you had the cash, like

0:25:41.000 --> 0:25:42.600
<v Speaker 1>for the wedding. So let's just say you guys are

0:25:42.640 --> 0:25:44.439
<v Speaker 1>saving and you have the cash. What I would do,

0:25:44.560 --> 0:25:47.280
<v Speaker 1>just because you asked about the honeymoon is I would

0:25:48.240 --> 0:25:50.680
<v Speaker 1>use a travel card to swipe for things and then

0:25:50.720 --> 0:25:53.520
<v Speaker 1>pay off the card and then you know it earned

0:25:53.520 --> 0:25:56.400
<v Speaker 1>the points to to to get the flight for free.

0:25:56.880 --> 0:25:59.280
<v Speaker 2>You know what, they mess you up though, because I

0:25:59.280 --> 0:26:00.840
<v Speaker 2>thought I was going to do the same thing. I mean,

0:26:00.880 --> 0:26:02.480
<v Speaker 2>I did end up earning a lot of points for

0:26:02.600 --> 0:26:05.840
<v Speaker 2>my wedding related expenses and stuff that helped me pay

0:26:05.840 --> 0:26:07.679
<v Speaker 2>for the honeymoon. But I found that a lot of

0:26:07.760 --> 0:26:11.080
<v Speaker 2>venues will charge you like a three percent credit processing fee.

0:26:12.440 --> 0:26:14.159
<v Speaker 2>So yeah, and at the most you're going to get

0:26:14.160 --> 0:26:16.960
<v Speaker 2>three percent cash back on credit cards now, so it's

0:26:16.960 --> 0:26:20.200
<v Speaker 2>like it kind of negates, oh, the value. So if

0:26:20.280 --> 0:26:22.600
<v Speaker 2>just just pay attention to that, don't swipe if there's

0:26:22.640 --> 0:26:25.200
<v Speaker 2>like it'll it'll take away the benefit if they charge

0:26:25.200 --> 0:26:28.119
<v Speaker 2>a credit processing fee. So just keep that in mind.

0:26:28.160 --> 0:26:30.520
<v Speaker 2>And I mean, you still have time to do what

0:26:30.640 --> 0:26:32.440
<v Speaker 2>I did, which is take out a credit card that

0:26:32.520 --> 0:26:36.080
<v Speaker 2>had a good sign up bonus and then you know,

0:26:36.160 --> 0:26:37.880
<v Speaker 2>as long as you can afford it and you can

0:26:37.920 --> 0:26:40.239
<v Speaker 2>fit it into your finances and then use it so

0:26:40.280 --> 0:26:42.320
<v Speaker 2>that you have some points in the bank that you

0:26:42.320 --> 0:26:45.000
<v Speaker 2>can then use and put toward your honeymoon and.

0:26:45.040 --> 0:26:47.840
<v Speaker 1>Twenty nineteen, Okay, that's smart.

0:26:48.640 --> 0:26:52.040
<v Speaker 2>But at the just just barriers, man barriers, ground rules,

0:26:52.160 --> 0:26:55.960
<v Speaker 2>keep the parents in line, Like just take controls your day. Yeah,

0:26:56.119 --> 0:26:57.919
<v Speaker 2>if you piss. I think people are so afraid to

0:26:57.920 --> 0:27:00.040
<v Speaker 2>piss people off, and like you know, they want we

0:27:00.119 --> 0:27:01.760
<v Speaker 2>want to please everybody on our wedding, and it just

0:27:01.800 --> 0:27:05.120
<v Speaker 2>so quickly can become everybody else's day but yours. And

0:27:05.160 --> 0:27:07.080
<v Speaker 2>I'm really proud that we were able to keep our

0:27:07.160 --> 0:27:09.480
<v Speaker 2>day about what we wanted and when we found valuable.

0:27:09.520 --> 0:27:11.240
<v Speaker 2>And also shout out to my family for not being

0:27:11.440 --> 0:27:14.520
<v Speaker 2>ridiculous drama queens. But if that's what you know, you

0:27:14.560 --> 0:27:17.040
<v Speaker 2>talk about your parents wanting to invite more people, just

0:27:17.400 --> 0:27:19.800
<v Speaker 2>set ground rules, ask them to contribute, and don't be

0:27:19.840 --> 0:27:20.479
<v Speaker 2>shy about it.

0:27:21.440 --> 0:27:24.160
<v Speaker 1>Yeah, it could be crazy. Because when my friends got

0:27:24.160 --> 0:27:26.760
<v Speaker 1>married and she cut her mother off from invitations, her

0:27:26.760 --> 0:27:27.960
<v Speaker 1>mother started photocapping it.

0:27:27.960 --> 0:27:29.240
<v Speaker 2>It was like, oh my god.

0:27:29.119 --> 0:27:30.440
<v Speaker 1>I don't care. I don't care what they look like.

0:27:30.440 --> 0:27:32.040
<v Speaker 1>I'm giving it to my friends. I was like, oh

0:27:32.040 --> 0:27:35.560
<v Speaker 1>my yo. Her wedding was with donkey like it was. I.

0:27:35.560 --> 0:27:37.000
<v Speaker 1>I had never seen that many people in one place.

0:27:37.040 --> 0:27:40.080
<v Speaker 1>I'm like, this is a fire hazard. And she looked

0:27:40.280 --> 0:27:42.119
<v Speaker 1>angry the whole wedding and I was like yea, ye

0:27:42.359 --> 0:27:45.760
<v Speaker 1>oh for her, I know. Literally, I turned to my mama,

0:27:45.760 --> 0:27:48.240
<v Speaker 1>I looked at her. I said, never and she was like,

0:27:48.320 --> 0:27:51.800
<v Speaker 1>I know. I was like, we're not doing this, Like

0:27:51.920 --> 0:27:54.520
<v Speaker 1>I this is crazy. She's like, it is honestly, her

0:27:54.560 --> 0:27:57.440
<v Speaker 1>mother took it too far, but you know, it ended

0:27:57.480 --> 0:27:59.239
<v Speaker 1>up well. She's got like three beautiful kids and she's

0:27:59.280 --> 0:28:01.120
<v Speaker 1>been married for like, I don't know, ten years now.

0:28:01.200 --> 0:28:03.600
<v Speaker 1>So it was one day, but I'm sure it's one day.

0:28:03.600 --> 0:28:05.479
<v Speaker 1>She looks back at it, she's like, my mom's crazy.

0:28:06.240 --> 0:28:10.960
<v Speaker 2>Yes, Well, good luck Mikayla or sorry, good luck Ashlyn.

0:28:11.520 --> 0:28:14.880
<v Speaker 2>One last question, let's do it okay. This one comes

0:28:14.920 --> 0:28:19.040
<v Speaker 2>from listener Charrelle. Okay. Charrelle says, when I was twenty one,

0:28:19.119 --> 0:28:21.440
<v Speaker 2>dumb and in love, I made a terrible financial decision

0:28:21.600 --> 0:28:25.439
<v Speaker 2>as you do, as you do. Yeah, how do you

0:28:25.480 --> 0:28:26.400
<v Speaker 2>know I knew?

0:28:26.720 --> 0:28:27.000
<v Speaker 1>You know?

0:28:27.520 --> 0:28:27.880
<v Speaker 4>I knew?

0:28:28.480 --> 0:28:28.680
<v Speaker 1>Yes.

0:28:28.800 --> 0:28:31.240
<v Speaker 2>So, she says, my ex boyfriend co signed for my

0:28:31.320 --> 0:28:33.200
<v Speaker 2>car because I didn't make enough money to get the

0:28:33.240 --> 0:28:36.760
<v Speaker 2>car I wanted. He offered to do it after I refinanced.

0:28:36.760 --> 0:28:39.600
<v Speaker 2>Two years later, we broke up, but then after that

0:28:39.840 --> 0:28:42.400
<v Speaker 2>his credit sucked and I decided to return the favor

0:28:42.480 --> 0:28:46.200
<v Speaker 2>when he asked me to co sign a car for him.

0:28:46.560 --> 0:28:50.400
<v Speaker 2>So she thinks, so she's paid off her car. She

0:28:50.520 --> 0:28:52.680
<v Speaker 2>refinanced out of her loan to get him off of it,

0:28:52.760 --> 0:28:54.760
<v Speaker 2>and then he comes around later and asks her to

0:28:55.640 --> 0:28:59.280
<v Speaker 2>co sign alone for his car. Okay, So she says,

0:28:59.280 --> 0:29:01.360
<v Speaker 2>it's been three since he's had the car and he's

0:29:01.400 --> 0:29:03.400
<v Speaker 2>never paid the car note on time and has done

0:29:03.840 --> 0:29:07.440
<v Speaker 2>and hastip multiple times asked for a deferment. I've pressed

0:29:07.480 --> 0:29:10.000
<v Speaker 2>him about refinancing it so I can get off the loan,

0:29:10.440 --> 0:29:13.719
<v Speaker 2>but he always says I'm working on it. Fast forward today,

0:29:13.800 --> 0:29:15.760
<v Speaker 2>I get an alert from Credit Karma that my seven

0:29:15.840 --> 0:29:20.480
<v Speaker 2>hundred plus credit score has dropped to the six fifties. Yeah,

0:29:20.560 --> 0:29:23.640
<v Speaker 2>he's over one hundred or sorry, he's over one thousand

0:29:23.720 --> 0:29:27.320
<v Speaker 2>dollars past due on his payments. Right now, part of

0:29:27.320 --> 0:29:28.840
<v Speaker 2>me wants to tell him to turn the car in

0:29:28.920 --> 0:29:31.320
<v Speaker 2>for repossession, and I'll have to swallow that because I

0:29:31.360 --> 0:29:34.440
<v Speaker 2>made a poor financial decision based on emotions. So my

0:29:34.560 --> 0:29:37.520
<v Speaker 2>question is what's worse a whole bunch of late payments

0:29:37.680 --> 0:29:40.760
<v Speaker 2>or a voluntary repo. I'm going to have a nervous

0:29:40.760 --> 0:29:43.200
<v Speaker 2>breakdown because I've worked so hard not to have lazy,

0:29:43.280 --> 0:29:45.800
<v Speaker 2>lousy credit like the rest of my family, and I

0:29:45.840 --> 0:29:48.440
<v Speaker 2>want this situation to be over in the least detrimental way.

0:29:48.640 --> 0:29:50.400
<v Speaker 2>I really love your guys opinion on this.

0:29:52.080 --> 0:29:54.520
<v Speaker 1>First I was like, yeah, he calls out of you girl. Yeah,

0:29:54.560 --> 0:29:59.960
<v Speaker 1>that's this mistake. And I was like, oh, after.

0:29:59.760 --> 0:30:01.040
<v Speaker 2>The broken up, that's so.

0:30:01.960 --> 0:30:04.880
<v Speaker 1>I I you know, I'm not gonna say I've never

0:30:05.040 --> 0:30:08.280
<v Speaker 1>I let me tell you Superman and I got into

0:30:08.320 --> 0:30:14.520
<v Speaker 1>like a very strong conversation when he wanted me to well,

0:30:14.600 --> 0:30:17.440
<v Speaker 1>it wasn't even because if the worst arguments are always

0:30:17.440 --> 0:30:19.560
<v Speaker 1>the fictional ones, like he was like, I would say, oh,

0:30:19.560 --> 0:30:21.320
<v Speaker 1>I told him I would never co sign, and that

0:30:21.560 --> 0:30:23.440
<v Speaker 1>can you imagine we weren't even there was nothing to

0:30:23.440 --> 0:30:25.400
<v Speaker 1>co sign for, just the fact that I was like,

0:30:25.480 --> 0:30:27.320
<v Speaker 1>for the fictional car that you're not getting, I would

0:30:27.320 --> 0:30:29.880
<v Speaker 1>never co sign when we were boyfriend and girlfriend. What

0:30:30.280 --> 0:30:32.640
<v Speaker 1>that's so terrible If you're my girlfriend but you're not

0:30:32.640 --> 0:30:35.240
<v Speaker 1>getting a car so you have you're his girlfriend? What

0:30:36.360 --> 0:30:38.600
<v Speaker 1>that I should co sign? His other girlfriends have co signed,

0:30:38.600 --> 0:30:41.480
<v Speaker 1>and I said, and they were foolish, like, that's not

0:30:41.920 --> 0:30:43.720
<v Speaker 1>My dad always taught me that, like, you don't co

0:30:43.840 --> 0:30:46.120
<v Speaker 1>sign for everyone. He even told me, not even for

0:30:46.160 --> 0:30:47.920
<v Speaker 1>your sisters. If they want to borrow money, then you

0:30:48.000 --> 0:30:50.360
<v Speaker 1>lend in. If they don't pay it back. That's one thing, okay,

0:30:50.480 --> 0:30:53.400
<v Speaker 1>but don't co sign for anyone. And I remember we

0:30:53.440 --> 0:30:55.360
<v Speaker 1>got it was like it was like a week long

0:30:55.640 --> 0:30:58.720
<v Speaker 1>strong debate over something we weren't buying. It was just

0:30:58.760 --> 0:31:01.240
<v Speaker 1>the thought that I would never co He couldn't believe it.

0:31:01.640 --> 0:31:05.800
<v Speaker 1>But yeah, because co signing is you're attaching yourself to

0:31:05.840 --> 0:31:09.080
<v Speaker 1>this person's decisions and you don't have as much control

0:31:09.080 --> 0:31:11.240
<v Speaker 1>as you like. I mean, I don't know which one

0:31:11.320 --> 0:31:14.800
<v Speaker 1>is worth. I mean, honestly, yeah, I don't.

0:31:15.120 --> 0:31:17.640
<v Speaker 2>It's gonna they're both gonna hurt your credit. Like a

0:31:17.720 --> 0:31:19.720
<v Speaker 2>voluntary repot is going to go on your credit report.

0:31:19.760 --> 0:31:22.040
<v Speaker 2>Mispayments are going to go on your credit report, and

0:31:22.080 --> 0:31:24.560
<v Speaker 2>they're gonna stay there for seven years, which sucks. But

0:31:24.600 --> 0:31:29.240
<v Speaker 2>I would say staunch the bleeding as soon as possible. Yeah,

0:31:29.280 --> 0:31:31.000
<v Speaker 2>I mean, I don't know how much power you have

0:31:31.120 --> 0:31:35.360
<v Speaker 2>in it to initiate a voluntary repossession, but just know

0:31:35.480 --> 0:31:37.920
<v Speaker 2>what the voluntary repost. So what's gonna happen is they're

0:31:37.920 --> 0:31:41.400
<v Speaker 2>gonna sell your car and then if the loan balance

0:31:41.720 --> 0:31:43.920
<v Speaker 2>is if there's a loan balance left over, so let's

0:31:43.920 --> 0:31:46.120
<v Speaker 2>say the car is only worth three thousand, but he

0:31:46.200 --> 0:31:48.520
<v Speaker 2>has a five thousand dollars loan, then you're still on

0:31:48.560 --> 0:31:51.280
<v Speaker 2>the hook for that two thousand dollars payment. So if

0:31:51.280 --> 0:31:53.400
<v Speaker 2>you're really thinking about doing a voluntary repo, just be

0:31:53.480 --> 0:31:56.120
<v Speaker 2>ready to help him pay off that debt. I mean,

0:31:56.480 --> 0:31:58.520
<v Speaker 2>it sucks. It's it's either wait on him to get

0:31:58.560 --> 0:32:00.960
<v Speaker 2>around to doing it, or I like, eat it, like

0:32:01.000 --> 0:32:02.360
<v Speaker 2>you said, eat the fact that it was a bad

0:32:02.560 --> 0:32:05.080
<v Speaker 2>financial decision and help him pay it off so that

0:32:05.120 --> 0:32:06.960
<v Speaker 2>you can, you know, wash your hands and be done

0:32:07.000 --> 0:32:07.280
<v Speaker 2>with it.

0:32:08.320 --> 0:32:13.720
<v Speaker 1>Yeah. Yeah, so one one major bump versus continue him

0:32:13.760 --> 0:32:15.600
<v Speaker 1>continuously being late and late and late and late and

0:32:15.680 --> 0:32:18.480
<v Speaker 1>dragging it out. I agree. But yeah, I mean it's

0:32:18.480 --> 0:32:21.000
<v Speaker 1>a good lesson. We all make for financial mistakes. There's

0:32:21.000 --> 0:32:23.120
<v Speaker 1>no way to avoid it. It's just what do you

0:32:23.200 --> 0:32:25.360
<v Speaker 1>do after you make them. Do you stay there and

0:32:25.440 --> 0:32:28.120
<v Speaker 1>kind of like stew in it, or you do take action?

0:32:28.280 --> 0:32:30.160
<v Speaker 1>And the thing about it is, I always say, when

0:32:30.200 --> 0:32:33.080
<v Speaker 1>it comes to budgeting, debt or credit, if I had

0:32:33.120 --> 0:32:35.800
<v Speaker 1>to have an issue, I'd rather a credit issue because

0:32:35.840 --> 0:32:39.080
<v Speaker 1>there are things that you can do fairly quickly to

0:32:39.200 --> 0:32:43.240
<v Speaker 1>raise your credit. Budgeting and savings and debt take more

0:32:43.280 --> 0:32:48.240
<v Speaker 1>time and discipline. If you ask me than fixing credit exactly,

0:32:49.000 --> 0:32:51.800
<v Speaker 1>we look at you examtly. We're all gonna sound like

0:32:51.840 --> 0:32:52.920
<v Speaker 1>my husband, sister's husband.

0:32:55.600 --> 0:32:57.120
<v Speaker 2>It finally got to me three years in.

0:33:00.200 --> 0:33:04.720
<v Speaker 1>Do you have husbanisms that you say? You're like, when

0:33:04.720 --> 0:33:05.640
<v Speaker 1>did I start saying this.

0:33:06.240 --> 0:33:10.120
<v Speaker 2>He's got me saying come on man, after ed I

0:33:10.400 --> 0:33:14.240
<v Speaker 2>love that, and we stay at the same time. Now

0:33:14.240 --> 0:33:16.960
<v Speaker 2>it's really really bad. I gotta stop saying I.

0:33:16.880 --> 0:33:20.120
<v Speaker 1>Don't even know what's something the Superman says, like one

0:33:20.120 --> 0:33:22.120
<v Speaker 1>of my friends said it, well, one of our like

0:33:22.160 --> 0:33:24.600
<v Speaker 1>our couple friends, and she was like, oh my god.

0:33:24.640 --> 0:33:26.600
<v Speaker 1>She was like, I was asking what did I get

0:33:26.600 --> 0:33:29.840
<v Speaker 1>this from? He's like Superman says that. He says, you

0:33:29.880 --> 0:33:31.880
<v Speaker 1>know what, whenever he's done, he's I'm just gonna fade

0:33:31.880 --> 0:33:33.680
<v Speaker 1>the black. You know, I'm just gonna fade the black.

0:33:36.600 --> 0:33:40.160
<v Speaker 1>That's you know. So like I heard her saying, I'm like, wait,

0:33:40.200 --> 0:33:42.200
<v Speaker 1>fade the black. That sounds like Superman. She was like,

0:33:42.280 --> 0:33:44.320
<v Speaker 1>I think that's where I got it. I'm like, we

0:33:44.360 --> 0:33:46.040
<v Speaker 1>all eventually sound like Superman.

0:33:47.520 --> 0:33:50.000
<v Speaker 2>But yeah, remember I said I was going to give

0:33:50.000 --> 0:33:52.560
<v Speaker 2>you the answer, so chase the card. We're talking about

0:33:52.560 --> 0:33:56.640
<v Speaker 2>the lost baggage coverage. So the Chase Sapphire Reserve Card

0:33:56.800 --> 0:33:58.640
<v Speaker 2>is the one that we have, and it does have

0:33:58.720 --> 0:34:03.120
<v Speaker 2>lost luggage reimbursement up to three thousand dollars per passenger.

0:34:03.920 --> 0:34:06.400
<v Speaker 1>Yes see that's awesome.

0:34:06.760 --> 0:34:09.000
<v Speaker 2>Yeah, it's a great little benefit. So keep that in minds.

0:34:09.040 --> 0:34:11.160
<v Speaker 2>And it's it's another reason to book your travel with

0:34:11.200 --> 0:34:14.359
<v Speaker 2>a travel credit card. Credit card in general, because you're

0:34:14.400 --> 0:34:16.239
<v Speaker 2>on you know, you might have more protections, but then

0:34:16.280 --> 0:34:18.920
<v Speaker 2>if you get one with extra protections like that, it

0:34:18.960 --> 0:34:20.719
<v Speaker 2>gives you that extra bit of security.

0:34:21.239 --> 0:34:23.840
<v Speaker 1>I'm not gonna lie, and I am not a huge

0:34:23.920 --> 0:34:26.959
<v Speaker 1>Chase fan, but I do like that card. So because

0:34:27.040 --> 0:34:29.279
<v Speaker 1>Chase has my house, So you know, there's that Think of.

0:34:29.239 --> 0:34:31.160
<v Speaker 2>It this way, like you're making money off of them

0:34:31.200 --> 0:34:33.279
<v Speaker 2>and they're losing money because of you. Because as long

0:34:33.320 --> 0:34:35.680
<v Speaker 2>as you are earning rewards and paying your balance off

0:34:35.719 --> 0:34:38.160
<v Speaker 2>like they're they're they're barely making money off of you.

0:34:38.400 --> 0:34:40.680
<v Speaker 2>I guess. I guess they make a little bit every

0:34:40.719 --> 0:34:43.200
<v Speaker 2>time you swipe your card. But you know you're getting

0:34:43.239 --> 0:34:43.680
<v Speaker 2>yours too.

0:34:44.040 --> 0:34:46.319
<v Speaker 1>Yeah, I'm getting mine. I just don't have my house though, Chase.

0:34:46.400 --> 0:34:49.000
<v Speaker 1>You forgot about that. You know what, I'm gonna come

0:34:49.000 --> 0:34:53.120
<v Speaker 1>down it's fine. I'm in a better space now. No,

0:34:53.160 --> 0:34:59.760
<v Speaker 1>I'm fine. All right. Well that was a awesome session

0:35:00.600 --> 0:35:01.400
<v Speaker 1>of broad ambition.

0:35:01.600 --> 0:35:03.919
<v Speaker 2>Thanks for calling it a session like therapy.

0:35:06.400 --> 0:35:08.520
<v Speaker 1>You guys can always hit us. We love, love, love

0:35:08.600 --> 0:35:12.839
<v Speaker 1>to get your messages. Definitely tweet us at the BA podcast.

0:35:12.880 --> 0:35:15.560
<v Speaker 1>You could use the hashtag broad ambition as well, because

0:35:15.600 --> 0:35:18.200
<v Speaker 1>I look at that too. Hit us on Twitter. We

0:35:18.320 --> 0:35:20.480
<v Speaker 1>are what are we on Twitter? Well, we just type

0:35:20.520 --> 0:35:23.920
<v Speaker 1>in broad Ambition at the b A podcast on Twitter

0:35:24.080 --> 0:35:26.840
<v Speaker 1>because we love reading your your your your tweets, your

0:35:26.880 --> 0:35:28.440
<v Speaker 1>your not your Twitter. I'm meant to say, I G

0:35:28.719 --> 0:35:29.440
<v Speaker 1>what are we on ig?

0:35:30.080 --> 0:35:32.879
<v Speaker 2>At Broad Ambisson Podcast, We're that.

0:35:32.880 --> 0:35:34.680
<v Speaker 1>Too, So we love reading those things. So I just

0:35:34.719 --> 0:35:50.800
<v Speaker 1>love especially me. I'm like, oh yes, tweete